BlastPoint's Credit Union Scorecard
PROFED
Charter #17012 · IN
PROFED has 3 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.61% above tier average
- + Net Interest Margin 0.21% above tier average
- + Net Charge-Off Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 3.3% in tier
- - Cost Spiral: Bottom 57.8% in tier
- - Indirect Auto Dependency: Bottom 72.5% in tier
- - Membership Headwinds: Bottom 82.3% in tier
- - Stagnation Risk: Bottom 92.6% in tier
- - Total Assets: Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 6.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,248
-1.2% YoY+0.3% QoQ
|
+12.2K |
52,084
-1.6% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$754.9M
+5.8% YoY+2.6% QoQ
|
$-109.0M |
$863.9M
+0.5% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.7% in tier |
| Loans |
$518.0M
+2.5% YoY+1.1% QoQ
|
$-87.8M |
$605.8M
+1.4% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$650.7M
+4.5% YoY+2.8% QoQ
|
$-86.6M |
$737.3M
+0.1% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.3% in tier |
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| ROA |
1.4%
-22.6% YoY+1.7% QoQ
|
+0.6% |
0.7%
+39.1% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 12.8% in tier |
| NIM |
3.6%
+4.5% YoY-0.6% QoQ
|
+0.2% |
3.4%
+8.7% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
73.5%
+8.0% YoY-0.9% QoQ
|
-0.8% |
74.3%
-3.6% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.3%
-1.2% YoY-8.9% QoQ
|
-0.6 |
0.9%
+3.8% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
79.6%
-1.9% YoY-1.7% QoQ
|
-2.9% |
82.6%
+1.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$18,191
+4.8% YoY+1.7% QoQ
|
$-11K |
$28,873
+2.7% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.0% in tier |
| CD Concentration |
20.7%
+0.8% YoY-2.6% QoQ
|
-3.7% | 24.4% | 19.3% | 19.8% | 37% |
| Indirect Auto % |
17.4%
-9.2% YoY-3.5% QoQ
|
+3.6% | 13.8% | 10.7% | 7.8% | 67% |
Signature Analysis
Strengths (0)
Concerns (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)